Help please !!!

Mandamoo_3

Hi Lastkiss

I am very new to this site but wanted to say well done for posting I posted for the first time last week and its very nerve wracking.People on here are FANTASTIC and so supportive and I am finding it's just good to know that there are people who understand how it feels to be in debt as well as offering superb tips and ideas.

Good luck for tonight and keep us posted

Mandamoo:)

LMCD

kazwookie wrote: »

Do you pay at all for water? as nothing is showing on your soa.

On your current mortgage is it based on your husband's and your income, if so that 'might' be a problem as you are on the sick, and your hubby currently is unaware of the money problems, so getting a remortgage could be a problem.

Are you claiming all the benefits you are entitled.?

Good luck with it all

Here in Scotland we have this already included in council tax bill.

dreamdreamer

I don't even know where to begin to thank you all for your warm and encouraging words and advice, I am very very touched and already feel like I am not alone and can get through this. I have decided to take the advice to tell hubby, house is manic at the moment with kids but hopefully tonight when they are all in bed we will have a quiet moment and I will discuss it with him. Not looking forward to that, he is so hard working and tries so hard to give us all we need I know he will be devastated.

At the end of the day, like a lot of us on here, your situation will be born of a bit of careless spending, but a LOT of bad luck or circumstances beyond your control (in your case your ill health etc). Sometimes life deals up a crappy hand and beating yourselves up about it isn't going to get you anywhere - it sounds like you have a good relationship so at least once you've shared the burden you can support each other. Telling my OH about my debt was the hardest, but best thing I've ever done.

You've had some brill advice that I can't really add to at this stage, but I really hope it works out for you and good luck for telling hubby tonight. There's always someone about here to offer a word of comfort or support, or some sage advice. Stick around

Dreamer x

lastkiss

Culex wrote: »

Did she kill 1 of the adults, then make the cadaver into nutritious stews and tasty soups?

hee hee :rotfl:

Culex

lastkiss wrote: »

hee hee :rotfl:

I hoped you'd like it.

geoffky

STAY AWAY from the financial advisor,,,,please,,,it will cost you a lot of money and could long term cost you your house..go the one of the free debt charities who are not trying to make a living out of your situation as the advisor will be.

fizzy702

Hi Last kiss

A big well done for admitting that there is a debt problem ... Tough I have had a roller coaster of a week as I have just admitted it to my self !!!!!!

I am lucky to have a friend well 2 that are helping me sort thing out I must say that I only pay £81 a month for gas and electric thats with Eon Duel fuel..... Can you do with out cable TV ? I know that we will Not be having a holiday this year we will be at home and finding things to do that cost nothing !!!!! also what about selling some stuff on Ebay I have my own shop on Ebay and it stills surprizes me at what people will buy that would give your 17 yr old something to do and you could do it together also with presents I try and make them when and where I can
I hope this helps and good luck xx

Quaffle

Hi Lastkiss,

I don't know if this will help but I decided a while back I was going to slash my food bill. I was doing a "big shop" every week and I found that I was throwing loads away. So I changed the way I shop:

Firstly, I go to the shop every two or three days and only buy what I need to make the meals that I have planned in advance. I regularly buy fruit and veg - almost every day, and I use the local greengrocer. I've got quite friendly with him and he always knocks a little off the price because I'm now a regular.
Some might say that he's a little more expensive, but I find that his produce lasts longer than the supermarket, so it's worth it as I throw less away. He always has special offers on so I buy those things instead of what I would usually buy every week without thinking about it. It's quite exciting as you never know what's going to be on offer!

Secondly, I bulk out my meals with veg and things like lentils and barley. Quite cheap, but filling and good for you. Eg - Chilli con Carne, make with mince but bulked out with grated carrots and lentils is fab and only a quarter of the price if made only with mince. Batch cooking helps bring the cost per meal down too!

Thirdly, I went down a brand on as much as I could. Eg Asda Baked Beans instead of Heinz. This REALLY makes the difference. Some things I don't skimp on - life's too short for bad coffee! I use Tesco Clubcard Vouchers (which I get from being an Eon Customer) for buying special things so I can treat myself. Mr Tesco paid for a leg of lamb for today's main meal (and tomorrows AND Tuesdays!!!). For the majority of stuff, you won't notice the difference.

I reckon you could knock a good £150 per month off your groceries bill!

Good luck!

Q
xxx

cloudcuckooland_3

Hi there
You daughter shoild be entitled to all sorts of benefits once the baby arrives. Have you contacted Social Services? They shd be taking a special interest especially because of her age.

Have you seen a doctor recently? As you have had a lot to contend with esp since the bereavement I wouldn't refuse any medical help at all.

All the best

[Deleted User]

Thinking of you lastkiss, I felt the same last week, so emotional that people had taken the time and trouble to post, hope you get chance to speak to hubby tonight, you sound like a lovely couple and I'm sure you'll get through this. It has made me and DH closer now that we're dealing with things together, he can prob tell youre worrying about something and may be pleased to talk about it.

One thing I did last week was collect up a couple of broken gold braclets and took the to the jewellers, they were very thin and to be honest a bit crappy, no sentimental value, I got £120, still living off this this week, have you got any gold hidden in drawers? Might just help for the week.

Good luck with hubby and mortgage advisor, let us know how you get on x